BlastPoint's Credit Union Scorecard

GLASS CAP

Charter #13733 · PA

<100M

2508 CUs in <100M nationally 186 in PA

GLASS CAP has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.18% above tier average
+ Net Interest Margin 0.33% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.0% YoY
- Indirect Auto Concentration (%): Bottom 1.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	4,712 -3.0% YoY-0.5% QoQ	+2.0K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	85%
Assets	$45.6M -0.3% YoY+3.3% QoQ	+$15.4M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	74%
Loans	$18.9M -6.8% YoY-0.5% QoQ	+$3.6M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	69%
Deposits	$37.3M -2.4% YoY+3.5% QoQ	+$11.6M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	72%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% -37.3% YoY-48.4% QoQ	+1.2%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	80%
NIM	4.3% -7.2% YoY-9.3% QoQ	+0.3%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	73.4% +20.5% YoY+37.0% QoQ	-17.2%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	32%
Delinquency Rate	1.0% +39.6% YoY-26.9% QoQ	-0.5	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	64%
Loan To Share	50.6% -4.5% YoY-3.8% QoQ	-7.9%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	37%
AMR	$11,931 -0.9% YoY+2.7% QoQ	$-3K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	38%
CD Concentration	8.8% +13.0% YoY+10.5% QoQ	-15.5%	24.3%	15.4%	19.8%	50%
Indirect Auto %	56.0% +5.7% YoY+3.2% QoQ	+42.2%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

387

Total Members

engagement

Value: 4,712

Peer Median: 1,918

#387 of 2508 Top 15.4% in <100M tier

491

Return on Assets (ROA)

profitability

Value: 1.33%

Peer Median: 0.61%

#491 of 2508 Top 19.5% in <100M tier

605

Members Per Employee (MPE)

engagement

Value: 428.364

Peer Median: 333.750

#605 of 2508 Top 24.1% in <100M tier

Top Weaknesses (1 metrics)

2484

Indirect Auto Concentration (%)

balance_sheet

Value: 55.98%

Peer Median: 0.00%

#2484 of 2508 Bottom 1.0% in <100M tier